I've tried the built in voice to text option on
http://transcribe.wreally.com. It recognizes about 50% of my words but then I have to go back and correct the mistakes and put in all the punctuation. It takes longer than just typing it out.
I've also tried
https://speechnotes.co and found the same thing. That one seems to drop or leave out a lot of words I say so I have to go back to edit it which again takes longer than just typing it to start with.
Both of those are what I've tried for me verbalizing as I'm listening to audio. I've never tried anything to directly transcribe the speaker's voice from the audio.
I think
@Blue uses Dragon NaturallySpeaking and may have some insight.